09/03/2026
Is your home standard insurance truly covering everything? 🏡
Many homeowners are surprised to learn that standard home insurance policies don't cover common household headaches—like a burst underground utility line, a backed-up sump pump, or a sudden mechanical breakdown of your HVAC system.
Adding key endorsements to your policy provides peace of mind when the unexpected happens:
Sewer & Water Backup: Protects your home and finished basement from costly water damage caused by backed-up drains or sump pump failures.
Service Line Coverage: Helps cover the expensive excavation and repair costs if underground power, water, or gas lines leak or break on your property.
Equipment Breakdown: Covers household appliances, heating/cooling units, and smart home systems if they experience internal mechanical or electrical failure.
Personal Property & Valuables: Ensures high-value items like jewelry, fine art, or specialized equipment are covered at their full replacement value.
Protecting your biggest investment shouldn't come with surprise out-of-pocket costs. Give us a call at 701-492-2228 or visit us at www.ihryinsurance.com to review your current policy and see how affordable complete coverage can be!
